【中文版】

银行发行理财产品的原因有很多，首先，发行理财产品是银行为了满足客户资产保值增值的需求。随着经济的发展和人民收入的提高，越来越多的人开始关注如何让自己的资产保值增值。银行通过发行理财产品，为客户提供更多的投资选择，帮助客户实现资产的有效配置，从而满足客户的需求。

其次，发行理财产品也是银行为了增加自身的收益。银行将筹集到的资金用于投资，通过发行理财产品，银行可以获得更高的收益。同时，理财产品的发行也能够提高银行的品牌形象和市场份额，进一步增加银行的收益。

此外，发行理财产品还是银行为了降低自身的风险。通过发行理财产品，银行可以将部分风险转移给投资者，从而降低自身的风险。同时，理财产品的发行也可以帮助银行优化自身的资产负债表，提高资本充足率，进一步增强银行的抗风险能力。

总之，银行发行理财产品是为了满足客户的需求、增加自身的收益、降低自身的风险，同时也是为了提高自身的市场竞争力。

【英文版】

There are many reasons why banks issue wealth management products. Firstly, issuing wealth management products is a way for banks to meet customers' needs for asset appreciation and value-preservation. With the development of the economy and the increase of people's income, more and more individuals are concerned about how to keep their assets growing. By issuing wealth management products, banks provide customers with more investment choices to help them achieve effective asset allocation and meet their needs.

Secondly, issuing wealth management products is also a way for banks to increase their own profits. The funds raised by banks are used for investment, and by issuing wealth management products, banks can obtain higher returns. At the same time, the issuance of wealth management products can also improve the bank's brand image and market share, further increasing the bank's profits.

In addition, issuing wealth management products is also a way for banks to reduce their own risks. By issuing wealth management products, banks can transfer some risks to investors, thereby reducing their own risks. At the same time, the issuance of wealth management products can also help banks optimize their balance sheets, improve capital adequacy ratios, and further enhance their ability to resist risks.

In summary, banks issue wealth management products to meet customer needs, increase their own profits, reduce their own risks, and also to improve their market competitiveness.